The Research Of Chinese Countryside Folk Finance Question

With our country's reform and open policy deepening and market economy development, the financial service demand of our countryside is increasing day by day. But the financial service provided by the regular finance more and more cannot satisfy the demand of the countryside. Because lacking the microscopic information which needs in the rural finance market operation, the regular finance is unable to cover rural market effectively. Thereupon, each kind of folk finance arises at the historic moment. In the general countryside, the folk finance is extremely common. The farmer has quite a part of the fund demand to need to obtain through the folk finance satisfies.Since continuously, the folk finance frequently has been hostile by the academic circles and neglected by the decision-making strata. But this did not mean it is insignificant. From on generalized says, the folk finance is a financial system constituent;it plays the role in certain the domain which the regular finances not doing. The article is based on the theory of Banking, Finance, Institutional Economics and Modern Western Economics etc., to have a research on our country's countryside folk finance. Firstly, this article analysis our country folk finance scale, form and pattern, summaries the folk finance's new movement characteristic in the promotion privately operated economy and the rural economy growth, and pointed out the folk finance already becoming an indispensable part of the rural finance system. Then, through further the on-the-spot investigation which carries on to the Beijing suburb folk finance. By the actual data this article proves the main form folk finance in Beijing suburbs area is the jot pacifies the people freely lends money .This kind of folk finance was advancing the Beijing suburbs folk investment aspect and contributing the tremendous strength. Afterwards, this article also comparative and analysis the overseas country and local countryside folk finance condition, it obtains the domestic and foreign folk financial existence the general character and the opposite character. The fact proved that, at present it is reasonable for the folk finance to excite in our country general countryside. We should understand the folk finance correctly, and guide the countryside folk finance to move towards the standardization and the legalization. We should enable the folk finance to become a new turning point that the privately operated economy and the rural economy further develop.